Entrepreneur

About Me

I Naftal Njuguna Kamau was born in 4/7/1977 in Nairobi where I was being brought up by my beloved family. I went to the nursery school in 1983 at NGECHA Nursery school in Umuru Division in Kiambu District where I stared performing very well because I was always top 10. in 1986 I joined primary school and continued with the motto of becoming top until I finished started 8 in 1994. I joined a school called Gichoru High School even the principal started recognizing me because of my good behavior . in 1997 I was promoted as a school games captain because I was performing very well even in sides of games. I continued with my education till I finished form four. After attaining c+ from there I started looking for collages where I can keep myself busy before I decided what I can be doing in my life. In 1999 I was invited by my sister in Nanyuki when I decided to learn First Aid in a well recognized Hospital in Nanyuki called Cottage Hospital. After I did it very well they decided to employ me as a driver and first adder. My life begun there because at least I started getting as the end of the month after I worked there for 8 years I decided to upgrade by learning about V.C.T. After searching the college of VCT up and down I was helped by an NGO called APHIA plus but then it was APHIA + so they took me to college in Nakuru and paid for me all the expenses from there they posted me to Nanyuki District Hospital as a VCT counselor where I stared a small business with the money that I had already saved amount to Kshs 150, 000.

My Business

I Naftal Njuguna Kamau of ID 20906096, I started my business in 2nd sept 2000 with a capital of Kshs. 150,000. I started as a kiosk where I was selling things like sugar, Rice, Tea, Fat, Toilet papers, eggs, sweets, biscuits, pampers ,bulbs, saviets,match box ,unga.,Royco, toothpicks ,baking powder, cotton wool, steel wire plus things like potatoes, carrots, tomatoes, fruits, bananas. God is good my business works well and I decided to buy the bicycle for carrying market goods and for God grace I got bicycle I decided to employ someone because I was working that time, so I did not, hence enough time to satisfy my customer I employed a lady. So after working I was coming direct home to take the order of the things that were requested by the customer plus adding more stocks. For God’s grace that lady worked very well and I decided to marry her because she was very hardworking in the business. From there our business worked very well and we decided to look for a bigger place so that we can put more and more variety of goods. I decided to have a bigger room of two rooms, the bigger room. I decided to keep it as shop and the other room I keep it as a store. Anyway God worked miracuracly as usual in a place that I started buying things in cartons to a producer like some that I know called Sagar limited. So that my business can expand more and more, according to my calculation every month I usually get a profit of 45000-15000 expenditure =30000 profit. Thanks in advance and I will start teaching more people about Zidisha Microfinance so that they can benefit like me to. Thanks and may God bless you

Loan Proposal

If i get that loan grant ,the money will greatly help in increasing stock and new items in my shop.since the previous loan helped me alot in making of shelves,there has been an upsurge of customers and increasing sales.here therefore is a breakdown of how i will spend that money on my shop.5000 kenya shillings will be used for renovations.3000 kenya shillings will be used for buying of new paint while 2000 kenya shillings will be used for payment of labour.10 kgs of pishori rice will be purchased at a cost of 1100 kenya shillings.1200 kenya shilllings will be used to buy 16 pieces of always pads.3 dozens of omo 45 gms will also be purchased at a cost of 252 kenya shillings.one dozen of saviet will also be bought at a cost of 840 kenya shillings.since my shop is near a hospital there is high demand for cotton wool and hence also from the loan 780 kenya shillings,one dozen cotton wool will be purchased.nescafe satchets also in very high demands during this cold season and so 12 dozens to be bought at a cost of 780 kenya shillings which is 1.6 gms.wafer biscuits also in high demands will be purchased at a cost of 300 kenya shillings equivalent to 3 dozens.outer sportmans cigarretes will be bought with 870 kenya shillings.four embassy cigarretes(two light embassy and two king embassy) will be bought still from the 16454 loan at a cost of 520 kenya shillings.one bale of salt at a cost of 450 kenya shillings 500gms will also be purchased.1 kilogram of salt bale will be bought at a cost of 450 kenya shillings.two dozens of royco 12 gms which is in so much high demand will be bought at a cost of 106 kenya shillings.blueband margarine 100 gms half carton of 24 pieces will also be funded at a cost of 731 kenya shillings.kiwi shoe shine is also a highly moving commodity will also be bought at a fee of 764 kenya shillings.some beverages like soda 300 ml mixed(6 sprite sodas,6 fanta sodas,6 stoney sodas and 6 krest sodas) will be bought at a cost of 450 kenya shillings.the ramaining balance of money from the 16454 loan grant shall be used to purchase different types,varieties and flavours of sweets.i believe that the loan will be of great help to my business just like my previous laon which you gave to me.thanks zidisha corporation in advance.

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